What is Personal Injury Protection (P.I.P.) in Florida? No-Fault Coverage Explained
By RAMCO Insurance Agency | Serving Miami-Dade, Broward & Palm Beach
🚗 Florida is a No-Fault Insurance State – What Does That Mean for You?
If you live in Florida and drive a vehicle, Personal Injury Protection (P.I.P.) coverage isn’t optional—it’s required by law. But many Florida drivers are unaware of what P.I.P. really covers, and what it doesn’t. At RAMCO Insurance, we’re here to help you understand your rights, your coverage, and how to protect yourself after an accident.
🛡️ How Does Personal Injury Protection Work?
Florida’s P.I.P. coverage kicks in regardless of who is at fault in a car accident. It’s designed to cover your immediate expenses without the need for lengthy legal battles. Here’s what it includes:
🩺 Medical Expenses: Covers 80% of your medical bills, including emergency care, surgery, rehab, and more.
💰 Lost Wages: Pays 60% of your income if you’re unable to work due to accident-related injuries.
🏡 Household Services: Covers costs of services you can no longer perform, like childcare or house cleaning.
⚰ Death Benefits: If the policyholder dies and hasn’t exhausted the P.I.P. benefit, $5,000 may be paid to their family.
At RAMCO, we strongly recommend adding BIL to your policy, even if it’s not required. Medical costs can be overwhelming — don’t wait until it’s too late to protect yourself.
👨👩👧👦 Who is Covered Under P.I.P.?
One of the key benefits of P.I.P. is that it covers more than just the driver. In most cases, it applies to:
The policyholder
Family members living in the same household
Passengers in the car who don’t have their own P.I.P. policy
Pedestrians or cyclists struck by the insured vehicle
💡 Tip: Even if you’re not driving, you could still be covered. Always check your policy details or call a RAMCO agent for clarification.
🚫 What Does P.I.P. Not Cover?
As useful as P.I.P. is, it’s important to understand its limitations. Common exclusions include:
Injuries in a vehicle not listed on your policy
Accidents involving non-insurable vehicles, such as mopeds or off-road ATVs
Injuries sustained during criminal activity, like fleeing from law enforcement
💡 Why This Matters – What RAMCO Agents Need to Know
As a trusted RAMCO Insurance professional, it’s your job to help clients make informed decisions. Most drivers think P.I.P. will pay all their medical bills—but that’s not true. It only covers a portion, and the remaining balance is their responsibility unless they have other coverage.
By educating clients on:
✅ What’s included in their P.I.P.
✅ What’s excluded
✅ What additional coverage they might need
…you’re not just offering insurance—you’re building trust and long-term relationships.
🔍 Is P.I.P. Enough? When to Consider Additional Coverage
P.I.P. is a starting point, not a full solution. We often recommend clients add:
Medical Payments Coverage (MedPay)
Bodily Injury Liability (BIL)
Uninsured/Underinsured Motorist Coverage
📞 Want to talk through your options? Contact RAMCO Insurance today for a personalized review.
📝 Final Thoughts
Understanding your Florida P.I.P. coverage helps you avoid surprises and stay financially protected after an accident. At RAMCO, we go beyond selling policies—we help you understand them.
📞 Need Help Understanding Your P.I.P. Policy?
We’re here to help!
📍 Serving South Florida – Miami-Dade, Broward & Palm Beach
📧 info@ramcoinsurance.com | ☎ (305) 820-0350
💻 Request a free quote today at ramcoinsurance.com
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